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United Community Banks (FRA:UCBN) Cyclically Adjusted PS Ratio : 3.23 (As of Jun. 10, 2024)


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What is United Community Banks Cyclically Adjusted PS Ratio?

As of today (2024-06-10), United Community Banks's current share price is €23.00. United Community Banks's Cyclically Adjusted Revenue per Share for the quarter that ended in Mar. 2024 was €7.13. United Community Banks's Cyclically Adjusted PS Ratio for today is 3.23.

The historical rank and industry rank for United Community Banks's Cyclically Adjusted PS Ratio or its related term are showing as below:

FRA:UCBN' s Cyclically Adjusted PS Ratio Range Over the Past 10 Years
Min: 0.45   Med: 2.68   Max: 5.83
Current: 3.18

During the past years, United Community Banks's highest Cyclically Adjusted PS Ratio was 5.83. The lowest was 0.45. And the median was 2.68.

FRA:UCBN's Cyclically Adjusted PS Ratio is ranked worse than
70.81% of 1192 companies
in the Banks industry
Industry Median: 2.36 vs FRA:UCBN: 3.18

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

United Community Banks's adjusted revenue per share data for the three months ended in Mar. 2024 was €1.798. Add all the adjusted revenue per share for the past 10 years together and divide 10 will get our Cyclically Adjusted Revenue per Share, which is €7.13 for the trailing ten years ended in Mar. 2024.

Shiller PE for Stocks: The True Measure of Stock Valuation


United Community Banks Cyclically Adjusted PS Ratio Historical Data

The historical data trend for United Community Banks's Cyclically Adjusted PS Ratio can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

United Community Banks Cyclically Adjusted PS Ratio Chart

United Community Banks Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
Cyclically Adjusted PS Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 4.21 4.46 5.36 4.62 3.80

United Community Banks Quarterly Data
Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24
Cyclically Adjusted PS Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 3.75 3.28 3.29 3.80 3.34

Competitive Comparison of United Community Banks's Cyclically Adjusted PS Ratio

For the Banks - Regional subindustry, United Community Banks's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


United Community Banks's Cyclically Adjusted PS Ratio Distribution in the Banks Industry

For the Banks industry and Financial Services sector, United Community Banks's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where United Community Banks's Cyclically Adjusted PS Ratio falls into.



United Community Banks Cyclically Adjusted PS Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PS Ratio takes the Revenue per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/S calculation. Because it considers this 10-year average, it's often referred to as the CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio.

United Community Banks's Cyclically Adjusted PS Ratio for today is calculated as

Cyclically Adjusted PS Ratio=Share Price/ Cyclically Adjusted Revenue per Share
=23.00/7.13
=3.23

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

United Community Banks's Cyclically Adjusted Revenue per Share for the quarter that ended in Mar. 2024 is calculated as:

For example, United Community Banks's adjusted Revenue per Share data for the three months ended in Mar. 2024 was:

Adj_RevenuePerShare=Revenue per Share/CPI of Mar. 2024 (Change)*Current CPI (Mar. 2024)
=1.798/131.7762*131.7762
=1.798

Current CPI (Mar. 2024) = 131.7762.

United Community Banks Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201406 0.833 100.560 1.092
201409 0.906 100.428 1.189
201412 0.970 99.070 1.290
201503 1.106 99.621 1.463
201506 1.115 100.684 1.459
201509 1.125 100.392 1.477
201512 1.211 99.792 1.599
201603 1.164 100.470 1.527
201606 1.213 101.688 1.572
201609 1.312 101.861 1.697
201612 1.404 101.863 1.816
201703 1.377 102.862 1.764
201706 1.349 103.349 1.720
201709 1.265 104.136 1.601
201712 1.160 104.011 1.470
201803 1.287 105.290 1.611
201806 1.415 106.317 1.754
201809 1.463 106.507 1.810
201812 1.349 105.998 1.677
201903 1.471 107.251 1.807
201906 1.534 108.070 1.871
201909 1.640 108.329 1.995
201912 1.615 108.420 1.963
202003 1.598 108.902 1.934
202006 1.626 108.767 1.970
202009 1.677 109.815 2.012
202012 1.715 109.897 2.056
202103 1.649 111.754 1.944
202106 1.602 114.631 1.842
202109 1.716 115.734 1.954
202112 1.666 117.630 1.866
202203 1.684 121.301 1.829
202206 1.829 125.017 1.928
202209 2.139 125.227 2.251
202212 2.099 125.222 2.209
202303 1.904 127.348 1.970
202306 1.844 128.729 1.888
202309 1.796 129.860 1.823
202312 1.342 129.419 1.366
202403 1.798 131.776 1.798

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.


United Community Banks  (FRA:UCBN) Cyclically Adjusted PS Ratio Explanation

Compared with the regular PS Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PS Ratio smoothed out the fluctuations of revenue during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PS Ratio should give similar results to regular PS Ratio.


United Community Banks Cyclically Adjusted PS Ratio Related Terms

Thank you for viewing the detailed overview of United Community Banks's Cyclically Adjusted PS Ratio provided by GuruFocus.com. Please click on the following links to see related term pages.


United Community Banks (FRA:UCBN) Business Description

Traded in Other Exchanges
Address
125 Highway 515 East, Blairsville, GA, USA, 30512
United Community Banks Inc is a bank holding company that operates through its wholly-owned subsidiary, Union Community Bank. The bank has scores of offices throughout portions of Georgia, Tennessee, and the Carolinas. It has traditionally grown through the organic growth of existing offices and de novo locations, complemented by selective acquisitions. United conducts substantially all of its operations through a community-focused operating model of separate community banks. The community banks offer a full range of retail and corporate banking services, including checking, savings, and time deposit accounts, as well as secured and unsecured loans, wire transfers, brokerage services, and other financial services. The bank's loan portfolio is well-diversified but predominantly commercial.

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